well... I'm back!

well... I'm back!

but it is for some good news

I had been dealing with Key Bank. I had a private SL with them that CO in 2008. I contacted them to offer payment. They said the debt was sold and on my report it showed as written off. I paid the debt, but was still working with Key Bank because they were reporting my loan twice on all three reports. They did a hard pull w/o my authorization using the collection purpose (this was for them to see if they were reporting twice). I filed a complaint against them, stating the hard pull could not have been for collection, as they didnt even own the debt.

I got a letter today stating that the tradelines will be removed, but they are not admitting error. I dont care, I know it was wrong. Now its fixed.

Now all I have left is that darn Discover Card Charge off from 2008 (paid). They wont budge, but neither was Key Bank. Took me 6 months of working on them to have success.

Re: well... I'm back!

and btw, they are removing the tradelines because I had mentioned that as resolution in my complaint. I wanted the inquiry gone, the TL removed because of the hassle I've had to go through dealing with their violations.

Re: well... I'm back!

no the BBB complaint didnt do anything. they wanted to call me, but I work before they arrive in their executive offices and get off after they are closed. I had to tell them several times, I have full computer access at work, however phones are not permitted in the buildings. They wouldnt do anything email or through the BBB complaint system.

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.